Knock-for-Knock Agreement

A knock-for-knock agreement is a common insurance arrangement between vehicle insurers. It means each driver pays for their own damages after an accident—no blame, no hassle, and faster claim processing.

How Does a Knock-for-Knock Agreement Work?

• No fault assignment: Insurers agree not to dispute liability.
• Quick repairs: You can get your vehicle fixed faster without waiting on legal processes.
• Reduce paperwork: Your insurer handles your claim directly.
• Still pay your excess: You pay your agreed excess, and your insurer covers the rest.

Who Benefits from Knock-for-Knock?

• Drivers with comprehensive car insurance—regardless of who is at fault
• Insurers—by reducing legal costs and speeding up settlements
• Body shops and repair centres—through faster approvals and repair authorisations

Pros and Cons Explained

Benefits

• Faster vehicle repairs and claim resolutions
• Less administrative work for you
• No need to gather fault evidence or get police reports

Considerations

• You still pay your excess, even if you're not at fault
• Your no-claim bonus may be affected by the claim
• Not all insurers offer knock-for-knock agreements—confirm before you sign

How to Choose a Policy with Knock-for-Knock

• Ask if knock-for-knock is included in your comprehensive car insurance
• Compare insurers, as not every provider offers this benefit
• Check excess amounts and how a claim impacts your no-claim bonus

Fast, Fair Claims with Knock-for-Knock

With a knock-for-knock agreement, you avoid delays and disputes—get your car repaired efficiently and move on. It’s about convenience, speed, and fewer headaches when accidents happen.